Capital for the work you've already done
You did the work. Now you wait to get paid for it.
Across every industry we serve the story is the same: the job is done and the invoice is out, but the money is 30 to 60 days behind the payroll, fuel, and materials that got it there. The Business Funding Club is a free membership that connects your business to ROK Financial for the capital that bridges the gap, and it starts with your industry.
A referral club, free to join. ROK Financial and its lenders review every request and make all funding decisions. How we’re compensated.
Industries we serve
Pick your industry. We speak your version of the gap.
The cash gap looks different in every line of work, so the Club does too. Start where your business lives. Each path is tuned to how the money actually moves in that industry.
- 01Federal contractorsYou won the award, but government payment terms lag mobilization, and the first award is the hardest one to carry.Federal contractors
- 02Trucking and freightThe load is delivered and the invoice is out, but the money is 30 to 60 days behind the fuel and payroll that moved it.Trucking
- 03Construction contractors and tradesContractors and trades: cover payroll and materials between draws, and the equipment the next job needs.Construction
- 04Independent auto repair shopsRepair shops: fund lifts, scan tools and ADAS calibration gear, and carry parts and payroll while insurer and fleet payments come in.Auto repair
- 05Dental practicesDental practices: fund chairs, CBCT and scanners, buildouts and new hires while insurance claims are paid.Dental
- 06Medical practices, clinics and allied healthMedical practices and allied health: carry payroll and equipment while Medicare and commercial claims are paid.Medical
- 07Farms, ranches and ag operationsSeed, fertilizer, fuel, livestock and equipment, paid for months before harvest or sale pays you back.Agriculture
- 08Restaurants, bars and food serviceWeekly food and payroll, card deposits that land later, and kitchen equipment that fails without notice.Restaurants
- 09Food trucks and mobile food vendorsThe truck, the kitchen build and the permits come first. Event and catering revenue comes later, in bursts.Food trucks
- 10Residential real estate investorsPurchase, rehab and holding costs come first. The sale or the refinance comes months later.Real estate investors
How it works
Three steps, and only one of them is yours.
You join free, or apply when you're ready
Some industries join the Club first and keep it in their pocket; others go straight to an application. Either way it's a few minutes, business details not a pitch, and it costs nothing.
We refer you to ROK Financial
When you want capital, ROK is our funding partner. ROK reviews your request, contacts you directly and matches you with lenders, and ROK and those lenders decide what they can do. We are not in that conversation and we do not set the terms of it.
You talk to a person at ROK
An advisor walks you through what's available for a business like yours and what they'd need to see. You decide from there. Nothing is committed until you sign something.
Financing types
Know the tool before you see the offer.
Each guide explains what the financing is, where it fits, when it’s the wrong tool, and what to ask before you sign.
- Business line of creditDraw, repay, draw again. Built for a cash gap that comes back every month.How it works
- Equipment financingTrucks, machines and systems, financed against the equipment itself.How it works
- Invoice and purchase order financingCash against invoices you've already sent, or orders you've already won.How it works
- Term loansOne lump sum, one schedule. For a project with a clear price.How it works
- SBA loansGovernment-backed loans from participating lenders, for buildings, equipment and working capital.How it works
- Revenue-based financingRepaid as a share of sales. Flexible, often costly. Compare before you choose.How it works
All financing types · What a lender will ask for · Your right to see the cost
Before you start
What ROK looks for.
- 4 monthsminimum time in business
- $10,000minimum monthly gross sales
- U.S.based and operating
The minimums ROK lists on its partner application. Meeting them is the starting line, not a decision. Credit history is one input among several.
Plainly
What we are, and what we are not.
We are a referral club. We introduce small businesses to ROK Financial. That's the whole service, and it's free to you.
We are not a lender and not a broker. We don't fund anything, we don't quote figures, and we don't negotiate on your behalf. If someone tells you what your financing will look like before ROK has reviewed your file, that person is guessing.
We are paid by ROK, not by you. When a business we refer gets funded, ROK compensates us. You are never charged a membership fee or an application fee, by us or by anyone acting for us. Full disclosure here.